Seems like an area that needs innovation to improve efficiency. Perhaps all transactions could be made electronic and reversible within 30 days? Maybe instead

Seems like an area that needs innovation to improve efficiency. Perhaps all transactions could be made electronic and reversible within 30 days? Maybe instead of mailing a check or doing a wire transfer something with two factor authentication is needed based on a physical token? Doesn't seem difficult to give your trusted partners and associates a USB key to make sure funds can not go to anyone else. Why is banking mostly not using 2FA already? Any place that can mail me a debit card can mail me a USB key. The card could BE the USB key.